Lexus IS 250 Insurance Rates

U.S. average auto insurance rates for a Lexus IS 250 are $1,502 annually for full coverage. Comprehensive insurance costs on average $362, collision costs $688, and liability costs around $316. Buying just liability costs as low as $376 a year, with insurance for high-risk drivers costing $3,252 or more. Teens pay the highest rates at $5,366 a year or more.

Average premium for full coverage: $1,502

Price estimates by individual coverage:

Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different IS 250 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects car insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows estimated Lexus IS 250 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $844
• Using higher $1,000 deductibles will save around $238 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,502
• Selecting more expensive low deductibles for physical damage coverage costs an additional $464 annually
• High-risk insureds with serious driving violations could pay upwards of $3,252 or more
• The price with full coverage for a 16-year-old driver with full coverage may cost $5,366 or more

Insurance prices for a Lexus IS 250 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,400 additional each year, depending on your age. High-risk driver insurance can be from 45% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Lexus IS 250 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,140 on average in Michigan, Louisiana, and New York.

Since prices can be so different, the only way to know exactly what you will pay is to compare prices from multiple companies. Each insurance company calculates prices differently, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Cheapest Lexus IS 250 Insurance

Getting lower rates on insurance for a Lexus IS 250 requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a recap of the material that was touched on in the above illustrations.

• Insureds who require increased liability limits will pay approximately $350 each year to increase from a low limit to higher 250/500 limits
• Drivers under the age of 20 pay higher prices, with premiums as much as $447 a month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,750 more each year to insure a Lexus IS 250
• Increasing physical damage deductibles could save up to $700 each year